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Greene County Bancorp, Inc. reported record fiscal 2026 results, with net income of $41.0 million and earnings per share of $2.41 for the year ended June 30, 2026, up from $31.1 million and $1.83 a year earlier. Quarterly net income was $11.3 million, or $0.67 per share, the highest in Company history. Management cites higher-yielding loans and securities and disciplined deposit pricing as key drivers.
Net interest margin for fiscal 2026 expanded to 2.65% from 2.19%, while fully taxable-equivalent net interest margin rose to 2.95% from 2.47%. Pre-provision net income increased to $43.1 million from $32.5 million, a 32.7% gain. Return on average assets improved to 1.35% and return on average equity to 15.91%, reflecting stronger profitability.
Total assets reached $3.2 billion at June 30, 2026, including $1.7 billion of net loans and $1.2 billion of securities, with deposits of $2.7 billion. Credit quality remained solid, with non-performing assets at 0.12% of total assets and an allowance for credit losses on loans equal to 1.25% of total loans. Book value per share increased to $16.32, and the Company terminated its defined benefit pension plan using approximately $3.5 million of plan assets.
Greene County Bancorp, Inc. reported that its Board of Directors approved a quarterly cash dividend of $0.11 per share on common stock for the quarter ended June 30, 2026. This equates to an annual cash dividend rate of $0.44 per share, a 10.0% increase from the previous annual dividend of $0.40 per share.
The dividend will be paid to shareholders of record as of August 14, 2026 and is expected to be paid on August 31, 2026. Greene County Bancorp, MHC, which owns 9,218,528 of 17,025,485 outstanding common shares (54.1%), will waive this dividend. The Federal Reserve Bank of Philadelphia granted nonobjection for the MHC to waive dividends aggregating up to $0.64 per share for four quarters ending December 31, 2026.
Greene County Bancorp, Inc. furnished an investor presentation outlining its recent financial performance and strategy. As of March 31, 2026, total assets were $3.2 billion, up from $3.0 billion at June 30, 2025, an increase of $140.5 million, or 4.6%. Shareholders’ equity rose to $267.6 million, supporting a tangible common equity to tangible assets ratio of 8.41%.
Profitability remains strong, with most recent quarter and last-twelve-month ROAA of 1.37% and 1.29%, and ROAE of 16.02% and 15.72%, respectively. Net interest margin on a fully taxable-equivalent basis improved to 3.03%. Asset quality is clean, with nonperforming assets at 0.10% of assets and very low net charge-offs.
The balance sheet shows gross loans of about $1.75 billion and total deposits of about $2.77 billion, for a loans-to-deposits ratio of 63.0%. The Board approved a quarterly dividend of $0.10 per share, implying an annual rate of $0.40, up 11.1% from $0.36. Capital ratios at the bank level remain comfortably above regulatory minimums, and management highlights a long history of growth, community focus, and consistent dividends.
GREENE COUNTY BANCORP INC director Michelle M. Plummer reported an open-market sale of common stock. She sold 10,000 shares on June 11, 2026 at a weighted average price of $28.77 per share, with individual trade prices ranging from $28.58 to $29.34.
Following the sale, Plummer directly owned 99,560 common shares. She also reported an indirect holding of 50,327 common shares through an ESOP, which reflects plan-related beneficial ownership rather than a new transaction.
GCBC submitted a Form 144 notice reporting proposed sales of Common Stock by an affiliate. The filing lists a proposed sale of 10,000 shares with an aggregate value of $282,100.00. The document shows shares outstanding 17,025,485 as of 06/11/2026 and indicates trading on NASDAQ. The filing lists multiple lots tied to Michelle Plummer, including prior acquisitions and equity awards dated 03/07/2000, 03/29/2003, 03/30/2004, 03/31/2005, and 12/22/2009
Greene County Bancorp, Inc. reported higher profitability and balance sheet growth for the quarter ended March 31, 2026. Quarterly net income rose to $10.5 million from $8.1 million a year earlier, with earnings per share increasing to $0.62 from $0.47. For the nine months, net income reached $29.7 million versus $21.8 million, and EPS improved to $1.74 from $1.28.
Total assets grew to $3.18 billion from $3.04 billion, driven by loan growth to $1.75 billion and a larger securities portfolio. Deposits increased to $2.77 billion. Net interest income expanded, while interest expense declined. The allowance for credit losses on loans increased modestly to $21.8 million, and nonperforming loans remained low at $3.1 million.
The company continued to manage capital conservatively, with shareholders’ equity rising to $267.6 million. Subordinated notes payable decreased to $30.0 million after a $20.0 million repayment. During the quarter, Greene County Bancorp completed termination of its frozen defined benefit pension plan, recognizing a non-cash settlement charge of about $706,000.
GREENE COUNTY BANCORP INC director John Brust made open-market purchases of Common Stock through a 401(k) account. Across three transactions on April 27–28, 2026, the account bought a total of 4,121 shares at prices between $24.05 and $24.50 per share. Following these trades, Brust’s indirect 401(k) holdings in the company’s stock increased to 6,221 shares, reflecting incremental accumulation rather than any sale activity.
Greene County Bancorp, Inc. reported record quarterly results and announced a stock repurchase program for the quarter ended March 31, 2026. Net income reached $10.5 million, or $0.62 per share, compared with $8.1 million, or $0.47 per share, a year earlier. For the nine months, net income was $29.7 million, or $1.74 per share, up from $21.8 million, or $1.28 per share, an increase of 36.1% in net income.
Total assets grew to $3.18 billion, with $1.73 billion in net loans and $2.77 billion in deposits. Net interest margin improved to 2.73% for the quarter and 2.59% for the nine months, reflecting higher yields on loans and securities and lower deposit costs. Asset quality remained strong, with non-performing assets at 0.10% of total assets and allowance for credit losses on loans at 1.25% of total loans.
Greene County Bancorp, Inc. declared a quarterly cash dividend of $0.10 per share on its common stock, equal to an annual rate of $0.40 per share, unchanged from the prior quarter. The dividend will be paid on May 29, 2026 to shareholders of record on May 15, 2026.
Greene County Bancorp, MHC, which owns 54.1% of the outstanding common shares, will again waive its right to receive this dividend. The Federal Reserve Bank of Philadelphia has granted nonobjection for the MHC to waive dividends up to $0.64 per share over four quarters in 2026.
Greene County Bancorp, Inc. has authorized a stock repurchase program allowing the company to buy back up to 400,000 shares of its common stock. This represents about 5.0% of the 7,808,300 shares held by public shareholders, excluding its mutual holding company parent.
Shares may be repurchased in open market or private transactions, including block trades and trades under Rule 10b5-1 plans. Repurchases are expected to begin after the company releases results for the quarter ended March 31, 2026, and will occur at management’s discretion based on market conditions, share price, alternative uses of capital, and financial performance.
The program follows Rule 10b-18 and other legal requirements and can be suspended, modified, or terminated at any time. The company is not obligated to repurchase any specific number of shares under this authorization.